An umbrella adds liability limit above the limits already on your home and auto policies, and the common starting point for sizing it is net worth plus exposure to future earnings. Treat that as a planning shortcut rather than a carrier rule. Two mechanics matter more than the arithmetic: insurers require minimum liability limits on the policies underneath before an umbrella will attach, and specific exposures move the picture independently of net worth. If the property includes a guest house, household staff, or regular entertaining at home, those are the exposures to raise when you review the limit with an agent.
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